By stupidoldcar - 16/11/2009 02:59 - United States
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:( Ugh. I'm sorry. Your insurance should cover most of it, right? This is why we need to have stricter rules in the US about drunk drivers... esp. uninsured ones!
MagicMeds, do you manage to dress and feed yourself without help each day? Insurance doesn't just cover the scrap value of a totalled vehicle, and there's nothing bizarre about an insurance company profiting off the service it sells its customers. Why else would they exist? For a bit of clarification, his insurance has no liability unless he had UM coverage.
I know the feeling... We spent $15000 on a car earlier in the year (from a car dealer) and in September we had to put a $6000 motor in it... then in November we had to put a $2500 turbo into it (its a turbo deisel) So this $15000 car has cost us nearly $24000 in total (including the change) and if we sold it we would b lucky to get $10000 for it. Definatley a FYL I feel for you...
Of course I'm sure I'm echoing other posters but YOU SERIOUSLY SPENT 6K ON A CAR NOT EVEN WORTH THAT?! Seriously, why the FUCK didn't you just go get a new(er) car? It totally blows that you got hit by an idiot drunk with no insurance but maybe that was karma's way of telling you that you spent the money incorrectly.
No, when your car is totaled, it means that the damage is so extensive that the insurance company pays you the market value of the car (before the accident) rather than covering the damage (i.e. it costs less to pay for a new car than to pay to fix the old one). So the OP really did spend $6000 on a $1000 car.
That's definitely not how karma works. Karma would be: "Today, (actually a few days ago, stupid format.) I got drunk and beat the shit out of my girlfriend. The next day, I finished installing a 6,000 dollar engine in my old car. 5 minutes into the test drive, a drunk driver hit me and totaled it. FML" (I'm sure that's more than 300 characters, but whatever, I'm not submitting a real FML, so it's okay. Maybe he couldn't find a decent used car for 6 grand, and there wasn't really anything else wrong with his old car, other than the fact that it's old. He may have decided to opt for the engine instead of paying 6 grand for a used car that needed more work added on to it. If I could avoid spending more money than I had to, especially in this economy, I would.